PD AUSTRALIA FEBRUARY 2021 PDS PET INSURANCE

1800 776 473

www.pd.com.au

Pet Insurance | Accident, Classic & DeluxePlans | Product Disclosure Statement

.com.auONLINE PET & CAR INSURANCE

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1. INTRODUCTION

- Important Information About Us

2. ELIGIBILITY, BENEFITS AND COVER OPTIONS

- Eligibility for Cover

- What You Are Covered For

- Taking Due Care

- Third Party Liability Cover

- Cover Options

- Summary of Benefits

- Waiting Periods

- Excess

3. WHAT YOU ARE NOT COVERED FOR

4. CONDITIONS

5. HOW TO CLAIM

6. OTHER INFORMATION ABOUT YOUR POLICY

- About This Policy

- Premium & Payment Terms

- Changes In Your Circumstances

- Making Changes To Your Policy

- Changes To Your Pet’s Cover and Renewal

- Cancellation By You

- Cancellation by Us

- Cooling O� Period

- Privacy Policy

- If You Have A Complaint

- The General Insurance Code of Practice

- Financial Claims Scheme

- Updating Your PDS

7.DEFINITIONS

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Product Disclosure Statement (PDS)

PRODUCTDISCLOSURE STATEMENT

Pet Insurance | Product Disclosure Statement Page 03

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This document is a Product Disclosure Statement (PDS) for our Pet Insurance Policy. This PDS was prepared on 18 March 2021 and is issued by:

Pacific International Insurance Pty Ltd PO Box 550 Kotara NSW 2289

The PDS has been prepared to assist you in understanding the key features of the insurancepolicy and making an informed choice about your insurance requirements. This PDS sets outthe significant features of the insurance policy including its benefits, risks and informationabout how the insurance premium will be calculated. You should read it carefully.

This PDS also provides full details of the terms, conditions and limitations of the insurancecover. Any advice contained in this PDS is general only and does not take into account yourindividual circumstances. Please feel free to contact us if you have any questions thatrequire clarification.

PD Insurance Pet Insurance is designed to help you cover unexpected and expensive vet billsif your pet becomes ill or injured. Pet Insurance does not generally cover pre-existingconditions and there are exclusions and limits. In most cases, we will settle your claim by wayof cash reimbursement. You can get reimbursed for preventative care, such as vaccinationsand check-ups, depending on the coverage/plan you choose.

We have designed this document to help you clearly understand the terms of your policy,but if you are unsure about anything please call us on 1800 776 473 and our friendly teamwill be happy to explain.


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Important InformationAbout UsWHO WE ARE:This product is underwritten by the insurer, Pacific International Insurance Pty Ltd (Pacific) ABN: 83 169 311 193, AFSL 523921. PD Insurance Australia is a trading name of Pacific, regulated by the AustralianPrudential Regulation Authority. CONTACT:You may contact us any time on ourwebsite at pd.com.au, or by emailing us [email protected].

GENERAL ADVICE WARNING:Any advice that we provide in this PDS is general advice only, and does not consider your individual objectives, financialsituation, or needs. You should assess whether our insurance is appropriate for you considering these factors and consider talking to an advisor before deciding to purchase this insurance.

HOW WE OPERATE:We conduct our business primarily online and digitally (including via email and SMS text) to keep our costs to a minimum so that we can offer you a lower premium.

We rely on our ability to communicate with you digitally so that you can buy and manage your policy through an online account with us.

ONLINE & DIGITALLY:• We can quote and sell our insurance;• You can review and update your policy through your online account;• We can send payment requests, documents, notices, digital links to notices and documents• Answer questions and do most other communications via e-mail or SMS (we try our best not to use paper); and• You can report a claim to us. You can also call us on 1800 776 473.

Our product is not for everyone.

You need to feel comfortable makingtransactions online and obtaining important insurance documents from our website or via email and SMS. You are responsible for message rates and data charges that you may incur in connection with SMS texts that you may receive from us. You can access your policy and account information at any time via our website and download and print documents you may need (for example, a current insurance certificate).

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Eligibility for Cover:Eligibility or acceptance criteria is depen-dent on the plan you select.THESE ARE AS FOLLOWS:

• Accident Plan: 8 weeks – 12 years of age• Classic/Deluxe Plan: 8 weeks - 8 years & 11 months of age.• Select breed dogs older than 6 years will only qualify for the Accident Plan.• If the pet is older than 9 years, they can only qualify for Accident Plan.

THE FOLLOWING DOGS ARE NOTELIGIBLE FOR COVER:

• Dogs used for law enforcement or security purposes.• Any breed of dog that is banned by any Australian Government, Public or Local. Authority, or that is crossed with any banned breed or Pit Bull Terrier, Dogo Argentino, Wolf/Wolf hybrid, Fila Brasilier, Japanese Tosa, Perro de Presa Canario or Dingo or crosses of those breeds.

THE FOLLOWING CATS ARE NOTELIGIBLE FOR COVER:

• Any breed of cat that is banned by any Australian Government, Public or Local Authority, or that is crossed with any banned breed or Savannah Cat, Chausie Cat, Safari Cat or Bengal Cat or crosses of those breeds.

What You Are Covered For:You are covered for the events (subject to the limits/any applicable waiting periods) asstated in your Certificate of Insurance for the plan you have chosen. Your cover option will reflect in your Certificate of Insurance i.e. Accident Plan, Classic Plan or Deluxe Plan.

Taking Due Care:You and your family members must take all steps to maintain the health and wellbeing of your insured pet and prevent any injury, illness, and loss.

This includes all vaccinations and/or any normal treatment recommended by aveterinarian. We may ask you to provide proof when you make a claim.

Third Party Liability Cover:You are covered (subject to the limits stated in your Certificate of Insurance) for amounts you may become legally liable to pay for:

• Loss of or damage to property; death or bodily injury to any person. • Physical loss of or damage to property occurring during the period of Insurance and which is caused by an accident involving your pet, and the incident occurred in Australia.

PLEASE NOTE THE FOLLOWINGEXCLUSIONS APPLY:

In respect to loss of or damage to property:• The property is not owned by you, your family or anyone residing with you;• The property is not held in trust by you, or in your custody or control.

In respect to death or bodily injury to any person:• The injury was not suffered by you or a member of your family residing with you;

Third Party Liability Cover is subject to a 21-day waiting period.

This policy does not cover any loss, damage, or liability if you are covered for that same loss, damage, or liability to any extent under any insurance policy with another insurer. We will not contribute towards a claim under any other policy with another insurer.

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Cover Options:We offer three Pet Insurance plans to suit your individual needs.

Your selected option and the applicable limits will be reflected in your Certificate of Insurance.

ACCIDENT PLAN:Covers Veterinary expenses incurred as a result of accidental injury to the insured pet(s).

COVER PROVIDED:

• Veterinary treatment expenses incurred for the diagnosis and/or treatment of the insured pet’s accidental injury subject to the maximum cover per category, as listed in the benefit table in the Certificate of Insurance.• Third party liability • Tick Paralysis • Non-elective euthanasia

CLASSIC PLAN:Cover for Veterinary expenses incurred as a result of accidental injury to and illness of the insured pet(s), including illnesses arising from hereditary conditions.

COVER PROVIDED:

• Veterinary treatment expenses incurred for the diagnosis and/or treatment of the insured pet’s accidental injury or illness subject to the maximum cover per category, as listed in the benefit table in the Certificate of Insurance. • Third party liability • Tick Paralysis• Non-elective euthanasia• Hereditary condition Treatment (annual)

The Wellness Benefit is an optional cover in addition to this plan.

IT INCLUDES COVER FOR THEFOLLOWING:

• Advertising and reward in the event of the

insured pet(s) going missing• Cremation• Annual vaccinations• De-sex / micro-chip• Boarding fees• Death from illness

These benefits are subject to a 21-day waiting period.

If you have selected this optional cover, the limits to each benefit will be outlined in your Certificate of Insurance.

DELUXE PLAN:Cover for Veterinary expenses incurred as a result of accidental injury to and illness of the insured pet(s), including illnesses arising from hereditary conditions.

COVER PROVIDED:

• Veterinary treatment expenses incurred for the diagnosis and/or treatment of the insured pet’s accidental injury or illness subject to the maximum cover per category, as listed in the benefit table in the Certificate of Insurance.• Third party liability • Ticks Paralysis• Hereditary Condition Treatment (annual)• Non-elective euthanasia• Dental Illness

Subject to the limit as shown on yourCertificate of Insurance, cover applies to certain treatments for Dental Illness.

The Wellness Benefit is an optional cover in addition to this plan.

IT INCLUDES COVER FOR THEFOLLOWING:

• Advertising and reward in the event of the insured pet(s) going missing• Cremation• Annual vaccinations• De-sex / micro-chip• Boarding fees• Death from illness

These benefits are subject to a 21-day

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waiting period.

If you have selected this optional cover, the limits to each benefit will be outlined in your Certificate of Insurance.

DENTAL COVER PROVIDED:

We will pay for expenses incurred as a result of your insured pet requiringtreatment for the following conditions:• Abscesses• Gingivitis• Tooth removal due to the following where it is medically required:• Cavities• Tooth fracture• Dental disease as a result of infection• Retained deciduous teeth

We will not pay any benefits for Dental Illness unless documentation is provided to us on submission of a claim showing annual dental checks have been performed at a medical facility.

These benefits are subject to a 6-month waiting period for Dental Illness. DENTAL COVER NOT PROVIDED:

We will not pay for expenses incurred as a result of your insured pet requiringtreatment for the following:• Orthodontic treatment• Crowns• Root canal• Cosmetic dental surgery• Corrective treatment• Odontoclastic resorptive lesions• Any elective dental treatment, checks or cleaning

Accident Cover*

Illness Cover*

Hereditary Conditions

Third Party Liability

Prescribed Medication

Radiology

Pathology

Operating Theatre Costs

Hospitalisation

Non-Elective Euthanasia

Other Costs: Vet visits & medicallyrequired non-elective procedures.

Dental Illness

Tick Paralysis

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Summary of Benefits:PLAN ACCIDENT

Wellness Benefit:

CLASSIC

(Optional cover available to Classic & Deluxe plans)

Advertising & Reward

Boarding Fees

Cremation

Desex & Microchip

Replacement for loss due to illness

Vaccination

* Accident and Illness cover limits are subject to the overall benefit limits. Wellness Benefit is an optional cover and extra premium is applicable.

DELUXE

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Pet Insurance | Product Disclosure Statement

Waiting Periods:

Excess:The excess is the amount you pay towards your bill which we will deduct from the amountpayable to you for every treatment claimed.

Accident

Illness

Wellness Benefit

Third Party Liability

Poisoning, Intervertebral disc disease, Ingestion of a foreign object, TickParalysis (Ixodes Holocyclus)

Hereditary Conditions

Cruciate Ligament, Patella Luxation

Dental Illness

0 Days

21 Days

21 Days

21 Days

21 Days

90 Days

90 Days

6 Months

This policy is designed to help cover vet fees for accidents, injury, or illness, however there are some conditions and treatments not covered:

THERE IS NO COVER FOR THEFOLLOWING:

• Diagnosis or treatment of pre-existing conditions.• Diagnosis or treatment of congenital conditions.• Diagnosis or treatment of the insured pet’s injury that was caused intentionally by you or any other resident of your household.• Diagnosis or treatment of an insured pet for conditions arising due to neglect, such as but not limited to malnutrition, long term exposure to parasites, including ectoparasites, where preventative treatments have not been used (unless you have received instruction from a vet not to administer preventative medication).• Special diets, pet foods, or dietary or nutritional supplements used to treat or manage a condition or to preserve or improve general nutrition or health, even if prescribed by a veterinarian.• Creams, ointments, shampoos (and other applications not limited to these) used to treat or manage a condition.• Diagnosis, treatment, training, or therapy that results from behavioural / Psychological conditions or a psychiatric disorder.• Diagnosis or treatment of paralysis ticks or parasites where preventative treatments have not been used or kept up to date. • Diagnosis or treatment of cherry eye (except where cherry eye has occurred as a result of an injury as confirmed by a vet)• Diagnosis or treatment of mange• Diagnosis or treatment of conditions that are prevalent for particular breeds (such as brachycephalic syndrome), as determined and confirmed by a vet.• Diagnosis and treatment of conditions that develop as a result of not following a vet’s recommendation (such as splinting a

broken leg and not investigating the effect on growth plates, resulting in limb deformity or other complications).• Diagnosis or treatments that are experimental, under investigation, or otherwise not generally accepted in the Australian Veterinary medical community. • Elective or preventative procedures or cosmetic surgeries, apart from the optional Wellness Benefit under the Classic and Deluxe Plans.• Any cost relating to statutory quarantine. • Any breed of dog that is banned by any Australian Government, Public or Local Authority, or that is crossed with any banned breed or Pit Bull Terrier, Dogo Argentino, Wolf/Wolf hybrid, Fila Brasilier, Japanese Tosa, Perro de Presa Canario or Dingo or crosses of those breeds.• Any breed of cat that is banned by any Australian Government, Public or Local Authority, or that is crossed with any banned breed or Savannah Cat, Chausie Cat, Safari Cat or Bengal Cat or crosses of those breeds.

• The replacement of a pet in the event of your insured pet’s accidental death.• Diagnosis or treatment of the insured pet for any condition resulting from or associated with breeding or pregnancy including caesarean section, dystocia, or termination of pregnancy. • Pets used for law enforcement or security purposes.• Your premium has not been paid by you in advance and is not up to date or has lapsed.• Claims caused by or contributed to by risks in the nuclear industry in general. These risks include, ionising, radiation, radioactive contamination from any nuclear fuel or nuclear waste, burning of nuclear fuel, radioactive, toxic, and explosive or other dangerous properties of any part of nuclear machinery, nuclear weapons, nuclear reaction, nuclear fission, and nuclear radiation.• Any declared pandemic disease that causes widespread illness affecting dogs or cats, or any failure to vaccinate against any known illness.

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• Costs relating to joint replacements, implants, prosthetics, artificial limbs, or organ transplant surgery.• Costs relating to your pet fighting with any other animal, where the pet has displayed a history of fighting with or aggression towards any other animal or person prior to the policy start date. For pets that did not previously display a history of fighting or aggression prior to inception onto the policy, we will only cover two occurrences of injury or illness as a result of fighting with any other animal for the life of the policy. Unless it is proven that the pet had attended and completed behavioural therapy training since the last incident.• Treatment or allergic conditions or skin conditions caused by substances or chemicals used in products to maintain the cleanliness of the pet, or for the treatment of ectoparasites on the pet.• Costs relating to the treatment of the pet caused through hunting, racing, or arranged or organised fighting.• Cost for treatment due to the pet being overweight or obese.• Costs for treatment of, or complications arising from, your pet being malnourished or underweight, unless the pets weight condition is as a result of an injury or illness covered under this policy. • Elective diagnosis or treatment including but not limited to debarking, tagging or routine health checks.• Organ transplants, stem cell transplants or joint replacements. • Any declared epidemic causing widespread illness to dogs or cats.• Experimental treatment, or treatment or medication which is not approved by the Australian Pesticides and Veterinary Medicines Authority.• Treatment of the following, unless your pet’s vaccination was current at the time of the condition as evidenced by a vet: - Canine parvovirus - Canine distemper - Canine infectious hepatitis - Kennel cough - Leptospirosis, or treatment for Feline Viral rhinotracheitis

- Feline calicivirus and feline Panleukopenia - Feline immunodeficiency virus (FIV) - Feline leukaemia virus (FeLV) - Feline chlamydiosis

• Any amounts charged by your vet for providing information in relation to your claim for the destruction of your pet due to any court or council order.• Brachycephalic airway syndrome (elongated soft palate, stenotic nares, everted laryngeal saccules, laryngeal collapse, and tracheal hypoplasia).• Any health condition where the diagnosis is inconclusive, but where the treatment is similar to a treatment typically applied to a health condition which is not covered by your policy.• Dental care of any kind including dental diseases, gingivitis, teeth cleaning/scaling, orthodontics removal of deciduous teeth or any oral disease (except for those treatments listed and provided by a vet under the Deluxe Plan), unless the dental damage is as a result of an accident.• Grooming and bathing (including medicated baths), boarding or transport expenses.• Equipment or devices for at home use, including but not limited to Elizabethan collars and cages.• House calls and out of hours treatment will be limited to the amount that would have been payable had the qualifying treatment been provided during normal consultation hours.• Autopsy, disposal, post-mortem, burial, or cremation of a deceased pet (except for those benefits listed where you have selected the Wellness Benefit).• Unless otherwise approved in writing by us, medication not approved and registered for animal consumption in Australia by the Australia by the Australian Pesticides and Veterinary Medicines Authority.• Any fee charged by your vet for the provision of any information in relation to a claim made under this policy, or assistance provided to you in the completion of any form relating to the

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policy, or administration or account fees, or postage or couriers, commercial or occupational purposes.

• Any treatment provided outside of Australia or by a policy holder, family member or friend (regardless of whether they are a vet).• Any claim caused by any illness that you are aware of before the policy start date or injury to your insured pet suffered before the policy start date.• Any event which has in any way resulted from an illegal activity and/or non-compliance with any common laws of Australia.

• Anything which is caused in any way by participation in war, riot, civil commotion, terrorism, natural disaster or catastrophe, or similar events.

The following specific plan exclusions are also applicable:

ACCIDENT PLAN:Any condition caused by: • Ectoparasites, such as fleas and ticks (other than Paralysis Tick), with the exception of skin and ear mites. • Endoparasites, such as intestinal worms. • Diagnosis or treatment of any illness/ disease or any condition caused by or resulting from an illness/disease.• Diagnosis or treatment of pre-existing and hereditary conditions. • Diagnosis, treatment, or preventive diagnosis or treatment of the insured pet for internal or external parasites including fleas, heartworms, and roundworms.• Medication prescribed more than one year after the insured pet’s injury.• Boarding, transportation, grooming, or bathing. Boarding includes medical boarding, and bathing includes medicated baths or dips.• Routine examinations, preventive treatment (including vaccines) or diagnostics associated with preventive treatment.

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• You will be responsible for any excess stated in your Certificate of Insurance for every event giving rise to a claim.• For a hospitalisation claim to be considered under “accidental cover” the invoice must reflect a charge for accommodation or overnight stay and a procedure must have been completed or treatment for a diagnosed condition must have been completed.• A diagnosis must be done within 48 hours from the time of the event giving rise to a claim.• At our expense we may require the insured pet to undertake a medical examination to validate a claim.• It is your responsibility to seek medical attention immediately once you become aware of any condition that requires medical treatment or your insured pet shows signs of an injury, illness, or accident. We will not be liable for any costs incurred consequential to you not having sought medical attention timeously.• We reserve the right to claim from you any amount that you receive from a third party as payment or compensation for an event covered and for which a payment has been made by us under this policy.• It is your duty to declare all medical and health information regarding your insured pet when applying for this policy. It is your responsibility to obtain and supply any medical history reports from any veterinarian or facility if requested by us.• This policy only covers insured events occurring within Australia.• Your cover is limited to one PD Insurance policy per insured pet.• There is no cover for any additional medical costs incurred as a result of pre-existing injuries.• During the period of insurance, we will cover only one occurrence of ingestion of a foreign object that causes a blockage or obstruction requiring endoscopic removal or surgery, within a 12-month period.• Any waiting period indicated on the Certificate of Insurance does not apply if you are moving to us from another insurer with no interruption in cover, and where

that policy was current for a period of at least 12 months. We may require proof of your previous insurance policy and details of any past claims, on submission of a new claim with us.• If any additional pet(s) are included in the cover during the period of insurance, any applicable waiting period will apply from the commencement date that the additional pet(s) are included.

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Please check your policy by reading the appropriate sections and general exclusions before submitting your claim.

Please note your limitations, conditions and exclusions that may affect your claim.

You can register a claim on the PDInsurance website by accessing theManaged Portal or email us [email protected]

We will require a copy of the itemised invoice and other supporting documents including all necessary information we reasonably ask for to support your claim, including but not limited to your pet’s clinical notes, medical reports, receipts, itineraries, police reports and any other documentation necessary to assess your claim.

You will be reimbursed for the expenses incurred subject to the terms andconditions of this policy and yourCertificate of Insurance less any excess applicable.

When an insured event giving rise to a potential claim occurs, you must do the following:

• report the claim as soon as practicable and possible, but no later than 30 days after the event giving rise to the claim.• all documentation and information which you provide as evidence or support of any claim must be true and correct.

Please take note of these important terms:We settle your claims in the following ways:

• we will pay directly into a bank account in the policy holder name and always in Australian Dollars. We do not contract any third-party service providers on your behalf nor will we ever indemnify you against claims from any third-party service providers.

• the most we will pay for any one claim is the amount stated as the cover limit in your Certificate of Insurance. We will not pay any interest on the amounts insured under this policy.• you must provide us, at your own expense, with any information and assistance that we may reasonably require to facilitate the application of this policy or to settle a claim.• even if you have already claimed and there is information outstanding from you (or the Veterinary surgeon) which is needed to finalise the claim, your claim is no longer valid after 12 months from the date of the event which caused your claim, unless we agree.

If we do not pay your claim and you disagree with our decision or if you are not happy with the amount we agree to pay for your claim under this policy you can write to us about your complaint. When settling claims disputes please refer to ourcompliments / complaints section on our website www.pd.com.au

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You must give us accurate and complete information.

Before you complete the purchase of your policy, and before each renewal, you have aduty of disclosure under the Insurance Contracts Act 1984. If we ask youquestions that are relevant to our decision to insure you and on what terms, you must tell us anything that you know and that areasonable person in the circumstances would include in answering the questions. You have this duty until we agree to insure you (for the initial purchase) or to renew the policy.

Also, before a renewal, we may give you a copy of anything you have previously told us and ask you to tell us if it has changed. If we do this, you must tell us about any change or tell us that there is no change. If you do not tell us about a change tomaterial we may cancel your policy as if it never existed.

ABOUT THIS POLICYThis policy consists of this document, the information provided to us when you applied for pet insurance and the Certificate of Insurance issued to you. This insurancecommences at the date and time you pay the premium and covers the plan shown on your Certificate of Insurance.

This document has been arranged on the basis you or your representative has agreed to the qualifying statements online or verbally through our call centre.

You must pay your insurance premium by the date stated on the Certificate ofInsurance. You cannot make a claim unless you have paid your premium. If you do not pay your premium your policy will cease to operate.

PREMIUM AND PAYMENT TERMSThe amount that we charge you for this insurance when you first acquire your policy and when you renew your policy is called the premium. The premium is the total amount that we calculate when

considering all of the factors which make up the risk, including the age or breed of your insured pet. The premium for certain breeds may be higher due to the increased health risks of certain breeds.

The total cost of your policy is shown on your certificate of insurance and is made up of your premium plus government taxes such as, GST, stamp duty and emergency services levies (if relevant).

If there is a change in your premium this is payable in accordance with any payment terms agreed between us.

All premiums will be charged to yournominated credit/ debit card or direct debited from your bank account on the agreed date.

Your premium must always be paid on or before its due date. If the date on which thepremium is to be charged falls on a day other than a business day, it will be done on the next available business day.

If there are insufficient funds or if your payment is dishonoured when the premium is due, we may notify you by email, SMS, or phone as a courtesy, and attempt to collect your premium again as soon as practical.

We may charge your account again within fourteen (14) calendar days unless you advise us to charge an alternativecredit/debit card.

Please note all recovery/bank charges for non-payment of premium are always for your account, and if we have to attempt to charge your account more than once, there may be additional fees charged.

You need to update the paymentinformation immediately if there are any changes to the nominated credit/debit cards provided, or if these are stopped, or your account closed.

You must provide alternative credit/debit card details at least seven (7) business days

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before your next debit date.

We reserve the right to make any changes to your premium should there be anychanges to your policy.

Any changes will be communicated to you in writing at least 30 days before it becomes effective.

Claims are paid on the basis that you have paid all owing premiums for that period ofinsurance.

If you do not pay your premium by the due date, we may reject your claim.

We reserve the right to deduct anypremium amount that you owe us from any claim payment or other payment we make to you if applicable.

If the unpaid premium remains in arrears for more than forty-five (45) days after the duedate, we may cancel your policy.

Should you wish to stop any futurepayments please notify us [email protected]

CHANGES IN YOUR CIRCUMSTANCESWhenever Your (or Your insured pet’s) circumstances change, you must let us know as soon as you are aware of the change and no more than 30 days after the change happened.

Any changes which will be updated in a new Certificate of Insurance which will be emailed to you. If you are not sure whether a change may affect your cover, please contact us [email protected] to enquire.

MAKING CHANGES TO YOUR POLICYPolicy changes may be made at any time, but the consequences of making a change will be different depending on whether you do so with effect from your policy renewal or at another time. In particular:

• you can upgrade to a higher plan at any

time up until your pet reaches its 9th birthday, or if your pet is a select breed, up to its 6th birthday.• upgrades are not allowed after your pet has reached the upper age limit, whichever limit is relevant.• a claim waiting period applies when you upgrade your pet’s policy from an Accident Plan to a Classic Plan, and from a Classic Plan to a Deluxe Plan. • if you need to make a claim for a newly qualifying condition that first started (or for which signs or symptoms first showed) during that claims waiting period, the benefit limits of the Accident Plan will continue to apply to that condition and the same would apply for a Classic Plan to a Deluxe Plan upgrade. • policy downgrades may be made for pets of any age.

CHANGES TO YOUR PETS COVER AND RENEWALA Certificate of Insurance will be issued if your cover is upgraded or downgraded during the policy period, you will be issued a new Certificate of Insurance.

We are not obliged to renew or issue you a new policy and any decision to renew or issue a policy is at our sole discretion not more than every 12 months. We may also change the terms and conditions of the policy and premiums. We will notify you in writing if this is to occur and if you decide not to renew your policy you will need to call us on 1800 776 473 or notify us via email [email protected] CANCELLATION BY YOUIf you cancel your policy, we will refund any premium you have paid, less an amount that covers the period for which your pet was insured. The cancellation will beeffective from the date that we receive cancellation notification from you over the phone or in writing.

CANCELLATION BY USWe can cancel your policy in any way permitted by law with immediate effect, with no refund of premium paid, if you:

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• are found to have misrepresented yourself, or your pet.• have not complied with the terms of this policy.• have not paid your premium for a period of 45 days or longer.• fail to tell us anything you should tell us when you apply for this policy, or when you change or reinstate this policy • have made a fraudulent claim under this policy or under some other contract of insurance (whether with us or some other insurer) that provides insurance cover during any part of the period of the policy. • if your policy is cancelled, we are entitled to keep a pro rata proportion of the premium for any period during which the policy has been in force.

COOLING OFF PERIODUnder Australian law, you have cooling-off rights and may cancel your policy within 14 days from the date the policy was sold to you. If you wish to exercise your cooling off rights, please email us within this 14 day period at [email protected]. If you have not made a claim, then we will refund in full the money you have paid.

PRIVACY POLICYWe respect your privacy and operates at all times in accordance with its privacy policy. This privacy notification provides asummary of how we treat your privacy, and it is recommended that you read the policy in conjunction with this notice. We collect personal information to assess your request for insurance, to administer your policy, provide other insurance services as requested by you, and also to notify you about other PD Insurance services or promotions from time to time. At the time of collecting your information we will inform you of the purpose for the collection and the consequences if you choose not to provide the information.

In order to provide our insurance services we may need to share your information with third parties including your agent and our reinsurers and claims providers (for a

full list see our privacy policy).

In accordance with our privacy policy you may obtain access at any time toinformation that we or our serviceproviders hold on you. If you would like to contact us about privacy, or would like to obtain a copy of the privacy policy you may do so through one of the following means:

• Online: www.pd.com.au• By phone: 1800 776 473• By email to [email protected] • By Post: Privacy Officer, PO Box 550, Kotara, NSW 2289

If you have a Complaint:STAGE 1If you have a complaint, including in relation to our service, the cover provided underyour policy, or the way you have been treated, we encourage you to let the personwith whom you have been dealing know so that they can assist in resolving the matter. If they are unable to resolve your matter, then you may escalate the matter bylodging your dissatisfaction with us. You can contact us by telephone, by mail at our contact details listed below, or by emailing us at [email protected]. We will respond to your request, within fifteen (15) business days if we have all the information we need and have completed anyinvestigation required.

STAGE 2If you get our response and feel your issue has still not been resolved to yoursatisfaction, you can contact the PDInsurance Internal Dispute Resolution (IDR) representative at [email protected] or our mailing address and request that theIDR representative review your dispute. You can also access the IDR representative through your claims officer.

EXTERNAL DISPUTE RESOLUTIONIf you disagree with the PD Insurance IDR

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representative’s decision, or your concerns have not been resolved within 45 days you may contact the Australian FinancialComplaints Authority (AFCA) for a review of our decision. AFCA is an independent external dispute resolution service. You can contact the service at 1800 931 678 (free call) or by email at [email protected]. You can also visit the AFCA website at afca.org.au. There is no charge for this service.

Get in touch with us:• pd.com.au • [email protected] • PO Box 550, Kotara NSW 2289

THE GENERAL INSURANCE CODE OF PRACTICEWe are a member of the Insurance Council of Australia (ICA) and has adopted itsGeneral Insurance Code of Practice. This code provides information and education about insurance and sets forth standards of customer service and procedures topromote better relations betweencustomers and insurers. It addressesinsurance buying, claims handling,catastrophe and disaster response,education, and dispute resolution.

For more information about the Code, you can access a copy of it atcodeofpractice.com.au.

FINANCIAL CLAIMS SCHEMEWe are authorised under the Insurance Act 1973 to carry on general insurancebusiness. This Act contains prudential standards and practices to ensure that financial promises made by us are met. The protection provided under the Federal Government’s Financial Claims Scheme applies to us. If we are unable to meet ourfinancial obligations a person may beentitled to payment under this Scheme. Information about this Scheme can beobtained from the website at fcs.gov.au or by calling 1300 55 88 49.

UPDATING YOUR PDSIf we change anything about this insurance in the future, the PDS may also change. If

the change is relatively small and will not affect your decision to buy or renew this cover, we will list the details at pd.com.au. If we make a substantial update to theproduct, we will send you a new PDS or Supplementary PDS, explaining the changes we have made. We will tell you in any renewal notice we send you if the terms of your policy will change on renewal and how you can get details of the changes. You agree to review those changes and, if you do not agree to those changes, to tell us (by logging in to your account on our website or in writing) and to cancel your policy. Unless you tell us that you do not agree to those changes, we will assume that those changes are acceptable to you and renew your policy on the terms of the renewal notice.

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Accident/Accidental Injury - an unforeseen event, which could not reasonably have been expected to occur. The event must result in injury or poisoning caused directly and independently of all other causes by some external and visible means arising from this event.

Address - the address that is shown on your Certificate of Insurance, where your pet normally resides in Australia.

Alternative Treatment - meansacupuncture, chiropractic manipulations, homeopathy, hydrotherapy, massagetherapy, osteopathy, behavioural therapy, Bowen therapy, herbal therapy, lasertherapy, physiotherapy, TENS(transcutaneous electrical nervestimulation) or similar therapies where they are administered by, prescribed by, or supervised by a vet to treat.

Behavioural or Psychological conditions – means any behavioural or psychological problem and any associated treatment, products or medications, training, socialisa-tion, behavioural therapy, or psychological therapy.

Benefit limit - means the maximum amount payable for the plan selected.

Breeding or Obstetric conditions - means health conditions relating to or arising frombreeding or obstetrics, including artificial insemination, caesareans, contraceptives orcontraceptive procedures, and phantom pregnancy.

Certificate of Insurance - first issued to you or any further certificates issued following achange to the policy (whichever applies at the time of the event).

Chronic condition - means a health condi-tion, diagnosed by a Veterinarian, and has one or more of the following:• Has no widely accepted cure.• May continue indefinitely.• May require longer than 3 months of medication, monitoring, treatment,

consultations, check-ups, examinations, or tests, or• May return or relapse after intervals of remission in between.

Condition – any illness, ailment, injury, lesion, disorder, or disease.

Congenital - means a congenital anomaly or developmental defect which is present at birth or that develops during the first months of life or later in your pet’s life. It may not show symptoms right away.

Cosmetic treatment - means any surgery or procedure or other treatment of any kind that improves, alters or enhancesappearance, whether or not undertaken for other medical, physical, functional,psychological or emotional reasons, and includes tail docking, tattooing or costs associated with grooming, including where your pet requires sedation or generalanaesthetic to undergo the groomingprocedures.

Dental - treatment of an oral disease such as routine dental care or, unless a serious and traumatic accident occurs, and the dental treatment is carried out directly to repair serious injuries to your pet’s face.

Epidemic - means a sudden development and rapid spreading of a contagious diseaseaffecting dogs or cats in a region where it developed in an endemic state or within apreviously unscathed community.

Excess - an excess is the amount you must pay when you make an insurance claim. PDInsurance will pay the amount of the claim that is over the excess, subject to thebenefit limits. Where the amount of the claim is less than the excess, no payment will be made PD Insurance. The amount of the excess payable will vary according to the plan type you have chosen. Please refer to the terms and conditions of the policy and your Certificate of Insurance.

Exclusions - means conditions, treatments

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or events that are not covered by this policy.

Family - any person related to the insured pet’s owner, means your spouse, defacto partner, civil union partner, fiancé(e), parent, stepparent, child, stepchild, foster child, sibling, or step-sibling, grandparents.

Hereditary condition - means a genetic condition which is passed down through your pet’s bloodline, and which is common-ly breed specific. These include, but are not limited to, hip dysplasia, elbow dysplasia, displacement of the patella, entropion and ectropion.

Illness - means a sickness or disease as diagnosed by a veterinarian; or signs and symptoms which are indicative of a sickness or disease; and which is not an injury.

Injury - physical harm or damage to part of your insured pet’s body caused by an unforeseen physical action or forceoriginating from outside the pet’s body. This does not include any injury or trauma that occurs gradually or over a period of time.

Medical Expenses - the costs resulting from treatment for a disease or an accident by aregistered veterinarian or other medical practitioner, in the form of medication or therapy, in a medical facility, medicalpractice or at home.

Medical facility - an institution for health care providing Veterinary treatment byspecialised staff and equipment, for sick or injured pets where they are given surgical ormedical treatment, and which provides for longer-term patient stays.

Month to month - means cover that renews monthly upon payment of the monthlypremium by You. Month to month will renew every month upon payment of the monthly premium when you set up the policy and can be cancelled at any time just like a monthly subscription.

PDS - Product Disclosure Statement

Period of insurance - the period shown on your Certificate of Insurance.

Pet - means a domestic breed of dog or cat ordinarily residing with you in Australia, which is primarily a companion animal or assistance animal and whose name and description is reflected in your Certificate of Insurance.

Policy Start / Inception date - the date that the insurance cover and waiting periods start. This date is stated in your Certificate of Insurance.

Pre-existing conditions - means anycondition, illnesses and injuries that existed or occurred prior to the policy start date of your insurance (or the end of any applicable Waiting period). We consider something as Pre-existing if diagnosed by a Vet, or if your pet is showing any symptoms.

Premium - the amount you pay for your policy. This amount is shown in your Certificate of Insurance and includes all government taxes and/or charges and any loadings that may apply based on the age and/or breed of your insured pet. You can choose to pay annually or month to month. If you choose to pay annually a discount will apply on the base premium.

Select Breeds – means certain breeds that are subject to increased health risks and that may attract a higher premium.

Third party liability – means your legal liability for payment of compensation in respect of physical loss of or damage to property, death, bodily injury to any person which is caused by an accident involving your pet.

Treatment - means reasonable, customary and essential examinations, consultations,hospitalisation, surgery, x-rays, medication, diagnostic tests, nursing, and other care and procedures provided in a registered animal care facility by a vet, or a Veterinary nurse or technician under vet supervision, that is medically justifiable and necessary as a

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result of an unforeseen accident, illness or other insured event, suffered by your pet, named on the policy, during the period of cover. To be claimable, treatment must have been conducted within the terms of reference of the Australian Veterinary Association.

Vet Expenses - means the reasonable, customary, and essential expenses incurred for the treatment of your pet for an injury or an illness during your period of cover.

Vet/Veterinarian - means either a regis-tered veterinarian or a specialist veterinari-an who is licensed in Australia, and who is practicing at a Veterinary clinic or hospital.

Waiting periods - the period(s) stated in your policy that must pass from the policy start /inception date before your cover will begin, or from the policy start/inception date that any additional pet(s) are included during the period of insurance.

We, us or Our - PD Insurance, a product underwritten by Pacific International Insurance Pty Ltd.

Wellness Benefit - additional benefits as listed in the table in the Certificate of Insurance.

Working dog - means a dog which is primarily kept and used to carry out work or an occupation and which is not kept first and foremost as a companion animal or assistance animal. Working dogs may include (but are not limited to): police dogs, dogs used by security, customs, and the armed forces, hunting dogs or farm dogs.

You or your - the person or persons named on your Certificate of Insurance as the Insured.

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Contact us at pd.com.auor email us at [email protected]

PO Box 550, Kotara NSW 2289

.com.auONLINE PET & CAR INSURANCE

PD AUSTRALIA FEBRUARY 2021 PDS PET INSURANCE

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